No Income Check

No Income
Verification Mortgage

If you're self-employed, an independent contractor, a real estate investor, or have non-traditional income, Lock It Mortgage offers No Income Verification Mortgage programs.

These programs can enable qualified buyers to secure a home loan with options starting at 10% down and a minimum credit score of 660, often without requiring tax returns, W-2s, or pay stubs. It’s a possible solution for those who don't fit standard income profiles but are financially prepared to buy or invest.

Flexible Loan Solutions for Your Unique Situation

We offer several no income verification loan types to better fit your goals and financial background

DSCR LOANS
(Debt-Service Coverage Ratio)

Approval based on subject property's rental income, not personal income. Perfect for real estate investors.

NO-DOC LOANS

Qualify without income verification, using credit score and assets. Best for buyers with strong credit & large down payment.

WVOE LOANS
(Written Verification of Employment)

Ideal for salaried employees who can't provide W-2s/pay stubs, but have a consistent employment history.

PROFIT & LOSS LOANS

Uses business P&L statements instead of tax returns. Best for self-employed borrowers.

1099 LOANS

Best for independent contractors with 1099 income.

BANK STATEMENTS LOANS

Qualify using 12-24 months of bank statements instead of tax returns.

Need help choosing the right program?
Let’s connect with us!

Every financial situation is different, and finding the home right loan starts with a conversation. Please share your contact details, and a loan officer will personally guide you through your options, answer your questions, and help you take the next steps with confidence.

Explore Your Options

Disclaimer: This is not a commitment to lend. Loan terms, availability, and requirements are subject to change without notice and may vary by lender. All loans are subject to credit review, underwriting approval, and program guidelines.

DSCR LOANS (Debt-Service Coverage Ratio)